Research On Small And Micro Enterprises' Credit Risk Prevention Of T Branch Of BOCM

As a special group in the market economy,Small and micro enterprises is an important part of our national economy,plays a decisive role in promoting innovation,increasing employment,maintaining social harmony and stability.In recent years,although our country has promulgated a series of regulations which is conducive to the development of Small and micro enterprises,to ensure the equal status of Small and micro enterprises in the market competition,the development of the folk economy is facing a new environment and opportunities,but lack of funds,especially the support of China's financial institutions to Small and micro enterprises generally is not high and the problem of insufficient,which seriously restrict the development of China's Small and micro enterprises.In the background of the overall economic downturn,Small and micro enterprises are facing the survival dilemma more,such as rising financing costs,backward in management,lower profit margins,the instability of Small and micro enterprises also increase the commercial banks Small and micro businesses credit risk.With the impetus of commercial bank external competition pressure forced,the pursuit of profit motivation and national macro policy,more and more commercial banks are making Small and micro enterprises credit development as the main battlefield of credit business development,but Small and micro enterprises are different from large enterprises,Small and micro enterprises have high financial risk and unstable management,low financial transparency and other issues,based on the above situation,Small and micro enterprises credit business is a challenge to the bank's risk control.In the new historical period,the urgent task for commercial banks is to grasp the characteristics of credit risk of small and micro enterprises and to promote the level and efficiency of credit risk management of small and micro businesses.First analyze the basic concept and definition of small and micro enterprises,and elaborate the main business models and risk factors of operation.It also briefly analyzes the current situation of small and micro credit management in commercial banks and the causes of major credit risks.In order to better solve and summarize the main problems of the current commercial bank small and micro enterprises credit risk control system and risk management in this paper,this paper selects the credit business of T branch of bank of communications as the research object,first introduced the establishment and development situation,and Small and micro businesses credit structure,asset quality,loan pricing,risk guarantee,business types,approval process and other aspects are analyzed and summarize the Small and micro businesses credit business development and risk management control status of T branch.Followed by analysis of the loan credit risk management of T branch about Small and micro enterprises credit risk identification ability,credit risk assessment,loan credit risk control of the three specific issues exist and analyzed the deep-seated reasons,the study of small and micro enterprises' own limitations,the external environment factors and internal management of banks three aspects.Focuse on the analysis of disadvantages of the internal risk management of T branch: the system of credit risk management structure is imperfect,internal credit evaluation system is not scientific,risk management needs to be refined,the lack of effective risk early warning mechanism,small and micro financial products need to be optimized,the loan pricing mechanism is not scientific etc..Finally,aiming at the existing problems and reasons of the T branch of bank of communications about Small and micro enterprises credit risk management,the specific response and control measures to further improve the Small and micro enterprises credit risk management is put forward from six aspects: one is the perfect internal credit evaluation system;two is to improve the risk pricing mechanism;three is to improve the risk early-warning mechanism from two aspects of identification and early warning and monitoring and identification;four is suitable for the credit risk Small and micro businesses through the construction of the management structure,the establishment of Inclusive Finance Division,improve the review of credit risk Small and micro businesses,reasonable design financing plan,detailedly classify Small and micro businesses customers,build customer access and effective exit mechanism,strengthen the construction of staff team construction for the control mechanism of small and micro enterprises credit risk;five is to establish and perfect the security system;the six is from the two aspects of financial products and services to complete the small and micro financial innovation,effectively release Small and micro enterprises loans credit risk,so as to improve the credit risk of T branch of bank of communications' control level.